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Homeowner Assistance Fund (HAF) - Updated 4/14/22


The Homeowner Assistance Fund (HAF) was created by the American Rescue Plan Act to help homeowners struggling to make housing payments during the COVID-19 pandemic. In addition​ to mortgage payments, the HAF offers community association homeowners assistance with paying "homeowner's association, condominium association fees, or common charges," which qualify as housing expenses that may be paid from the fund.

This marks the first time the federal government has elevated payment of community association assessment delinquencies to the same level as mortgage delinquencies in emergency housing legislation.​

To qualify, homeowners must have incomes that are less than 150% of the area median income and have suffered a financial hardship, such as a job loss or hefty healthcare expenses, after January 21, 2020.

If you feel that you will qualify for the Homeowner Assistance Fund, you can contact:

  • your mortgage loan servicer today to see if you qualify for mortgage forbearance to temporarily suspend your payments or a mortgage modification that could help reduce your monthly payments.
  • your association board if you are having trouble paying your association assessments to see what options are available. Remember to document your interactions as these records may prove helpful in applying for HAF aid.
  • the Consumer Financial Protect Bureau (AFPB) to provide assistance in finding a housing counselor for advice on defaults, foreclosures, and credit issues.

  • ​​​​​​Blue indicates the state has made assessments ELIGIBLE for HAF
  • Red indicates the state has made assessments INELIGIBLE for HAF​
  • Yellow indicates that the state has approved certain limited​​ funds only for HAF
  • States' HAF programs that are inactive are in white 

Only states electing to participate in the HAF will receive an allocation to create state HAF programs, which will be administered though the state housing finance agencies. Click here to view the data and methodology used by the Treasury Department to determine HAF state allocations. Please note that the deadline for states to either submit HAF Plans or notify Treasury of the date by which their HAF plan will be submitted was extended to July 31, 2021; most state HAF programs. Most programs that have been approved are active with a few in their pilot phase. 

State Housing​ Financing Agency​StageWeb Portal
Alabama Housing Finance AuthorityActiveAlabama
Alaska Housing Finance CorporationActive
Alaska - closed to new applicants
Arizona Department of HousingActiveArizona
Arkansas Development Finance Authority
California Housing Finance Agency
Colorado Housing Finance Authority
Connecticut Housing Finance AuthorityActive
Delaware State Housing Authority
District of Columbia Housing Finance AgencyPilotDistrict Columbia
Florida Housing Finance Corporation
Georgia Department of Community Affairs/Georgia Housing Finance AuthorityActiveGeorgia
Hawaii Housing Finance and Development CorporationActiveHawaii
Idaho Housing and Finance AssociationInactiveIdaho​ - Application period starts in May
Illinois Housing Development AuthorityActiveIllinois
Indiana Housing & Community Development AuthorityActiveIndiana
Iowa Finance AuthorityInactiveIowa
Kansas Housing Resources CorporationActive
Kentucky Housing CorporationActiveKentucky
Louisiana Housing CorporationActiveLouisiana
Maine HousingActive
Maine - Program begins May 2, 2022
Maryland Department of Housing and Community DevelopmentActiveMaryland
Massachusetts Department of Housing and Community DevelopmentActiveMassachusetts
Michigan State Housing Development Authority ActiveMichigan
Minnesota HousingInactiveMinnesota
Mississippi Home CorporationActive
Missouri Housing Development Commission ActiveMissouri
Montana HousingPilotMontana
Nebraska Investment Finance AuthorityActiveNebraska
Nevada Housing DivisionActive
New Hampshire Housing Finance AuthorityActiveNew Hampshire
New Jersey Housing and Mortgage Finance AgencyActiveNew Jersey
New Mexico Mortgage Finance AuthorityActiveNew Mexico
New York State Homes and Community RenewalActiveNew York
North Carolina Housing Finance AgencyActiveNorth Carolina
North Dakota Housing Finance AgencyInactiveNorth Dakota
Ohio Housing Finance AgencyActive
Oklahoma Housing Finance AgencyActiveOklahoma
Oregon Housing and Community ServicesPilotOregon
Pennsylvania Housing Finance AgencyActivePennsylvania
Rhode Island HousingActiveRhode Island
South Carolina State Housing Finance Development AuthorityActive
South Carolina
South Dakota Housing Development AuthorityActiveSouth Dakota
Tennessee Housing Development AgencyActiveTennessee
Texas Department of Housing and Community Affairs
Utah Housing CorporationActive
Vermont Housing Finance AgencyActiveVermont
Virginia Housing Development AuthorityActiveVirginia
Washington State Housing Finance CommissionActiveWashington
West Virginia Housing Development FundActiveWest Virginia
Wisconsin Housing and Economic Development AuthorityA​ctiveWisconsin
Wyoming Community Development AuthorityInactive
Wyoming - starting 5/2/22​